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When Will Labor Unions Ever Make a Comeback?

For the last five years, the U.S. has watched housing prices decline by an average of 36 percent. In some areas of the country, such as areas of Florida, Arizona, and Southern California, home values have dropped by over 60 percent. The question on everyone’s mind is: Have we finally reached the bottom of the housing crash? Sadly, carinsurance-deals.com, the answer is no. Home values are expected to decline, on average, another four percent during 2012, and if there is any expected growth in 2013, it will be a meager two or three percent across the country.I was looking for more information and found it here. Many experts believe there may not be any signs of growth until 2014 or later. There are three reasons that the housing market has not hit bottom. 1. Foreclosures. There are still many foreclosures available on the market today, driving home values down. It is anticipated that another 2.5 million properties will enter the market this year, causing a further reduction in home values. 2. Unemployment Remains High. Despite the figures released by the government showing unemployment levels dropping, the truth is that unemployment is at an all-time high. A recent report released by the Commerce Department shows that true unemployment levels are near 18 percent in the country. Without jobs, people cannot buy homes. 3. Frozen Credit. For people that can afford to buy a home, they cannot get a mortgage. Lending standards have changed so much in the last five years, people simply do not qualify.

Our Children Will Pay for Our Excess Spending

One of the best lessons you can teach your children is about money management. This will give them the tools to make smart decisions with their money when they are older. However, if they see their parents spending excessively, this sends the message to your kids that it is okay. Teach your kids to save 15 percent of everything they earn. Let your kids do chores around the house, and pay them for their effort. This is the best way to teach them about money management. Most people get their spending habits from their parents.Never heard (more…)

Tax Breaks for Companies that Go Green

If you are a business owner who is interested in conserving Earth’s resources, you can save a lot of money at tax time. The prospect of getting tax incentives for doing something for the environment poses a win-win situation for environmentally friendly business owners.

Installing energy efficient products is one of the easiest ways for businesses to get tax credits. If you are planning to upgrade your windows, doors or installation, it makes financial sense to choose Energy Star (more…)

5 Money Saving Tips

Whether its before, during, or after a recession, it is always a great idea to save money. Here is a list of 5 money saving tips that you can do without dramatically changing your lifestyle.

Direct Deposit

If applicable, have a portion of your earnings go directly into a savings account, retirement account, or any other account that you have reserved for savings. Out of sight is out of mind.

Use Coupons

By clipping coupons you can literally save hundreds on your grocery bill. These savings can be transferred to an savings account or a retirement plan. Even consider using free services when browsing for new services, such as free insurance quotes or free photo prints.

Avoid Bank Fees

Some financial institutions charge a fee to have you as a customer. Look at the fees your bank is charging you. If you pay a monthly fee for a checking or savings account then it may behoove you to consider banks with free checking and savings.

Reduce the Cable Bill

A lot of us have cable channels we never watch. Some of us rationalize that we have them “just in case” we may want to watch them later on. Look at your service realistically. If you have channels that you have never or seldom watch or that you find disappointing, consider a package without those channels which may reduce your monthly bill.

Automatically Heat or Cool Your Home

Programmable thermostats have been reported to save anywhere from 10 percent up to 20 percent on heating and cooling bills. During the summer, closes the curtains and draw the blinds to reduce the amount of sunlight heating up your home. In the winter, cover spaces between the doors and floors and keep doors and windows closed as much as possible.

Will Growing Income Equality Lead to Social Unrest?

There have been increasing reports of the shortening of the gap between the income of men and women. Feminists state that it is about time, while others worry if the increase in income equality will lead to social unrest?

This should not lead to social unrest as it does not mean that the wages of men are becoming lower. More women are having to work because of the current economic climate. More women are also employed since the last recession and they (more…)

Why are Right Wing Republicans so Mean and Angry?

People often become angry when they feel threatened, and right-wing Republicans feel threatened by just about everything. They feel that proponents of gay marriage are trying to marginalize traditional relationships and corrupt their child of heterosexual unions. Liberal environmentalists are trying to make the wild areas of our country into playgrounds for backpackers, campers and mountain bikers by supporting legislation that restricts logging and mining. Population in rural areas has been declining for years, and those whose families have lived for generations in small towns sometimes have no choice but to relocate to more (more…)

Ten Ways to Survive on Your Social Security Check

Reducing expenses is always a top priority for anyone living on a budget. For people trying to live on their Social Security pension, the following 10 tips may help reduce your everyday expenses.

1.Use coupons. Make a grocery list before you go shopping, then search online for coupons you can print. This can reduce your grocery bill by one third or more each week.
2.Purchase generic drugs. There are generic drugs available for both over-the-counter medications and most (more…)